But if your debts are not primarily consumer debt, then you don’t have to take and pass the Means Test.
The Means Test seeks to determine if you have sufficient “disposable income” to fund a Chapter 13 bankruptcy plan. If the Means Test reveals that you have more than certain amount left over at the end of the month, you will not be eligible to file Chapter 7 (unless it is established that special circumstances exist).
Note: The Means Test also has ramifications for Chapter 13 filers as well.
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